InState Farm Mut. Auto. Ins. Co. v. HansenLinks to an external site., 131 Nev. Adv. Op. 74 (9/24/2015), the [Nevada Supreme]court held, that under the Cumis Rule, policyholders are entitled to independent defense counsel at the insurer's expense when the insurer's reservation of rights creates an _____________ conflict of interest for defense counsel.